Design And Implementation Of Payment Institution Collection Business System

Payment institutions grown out from the development of Internet,to a certain extent,they improved the fairness of transaction and reduced the risk in the process.They help enterprises and orgnazations to reduce the cost of direct connection with banks,satisfing their demand of focusing on online collection and payment business.Generally,as "pay channel",payment institutions provide service behind merchants.Each merchant does not be limited accessing to one payment institution,which means that a variety of payment manners are needed,such as quick payment,collection,and QR code payment,e-currency payment,etc.Primary research coverage of this dissertation focuses on "collection" payment system.Collection is a service that allows banks to collect payments in the name of customers,basing on various cetificate.Compared to the e-currency payment and quick payment,collection is more passive,it is commonly used in enterprises and public institutions' s regular payment,regular fixed investment,as well as credit card payment.This paper analyzes the collection business via the object oriented method,takes overall considertion of the roles that payment institution play in the whole payment system,and then designs the domain model which is universally applicable in the industry.The designation of collection business system based on SOA and micro service concept,which is expected to help the system to meet the targets,high availability,high reliability,high scalability,and high performance.With big data processing framework,this paper strives to build a collection business system that could become a mature industry benchmark.Through the research of this topic,this paper summarizes the hierarchical structure of payment system and obtains the best practice of collecting system.In this paper,we summarize that the combination of failure transfer strategy and idempotent control can help us to take both consistency and availabili ty of distributed system into consideration.We also find out how to improve the throughput by limiting the flow,making the system maintaining the normal service level under the circustance of large volume transaction.This paper verifies the methodology of "optimizing the system,prioritizing the business process",and improved the performance of the system by disassembling the tasks in the way of distributed computing.